3DS FAQs

What is 3DS?

3DS (also known as ‘Mastercard SecureCode’, ‘Identity Check’ and ‘Verified by Visa’) is a standard which helps to reduce fraud and provide extra security to your online payments. Authentication is the process by which you identify yourself by sharing secure information that is available only to you. 3DS 2.0 is the latest version and provides a much smoother and safer process for you to authenticate your payments.

What is the use of Authentication?

Authentication provides an additional layer of security for online transactions, making it harder for fraudsters to gain access to your payment details.

Is 3DS active on my card?

Yes, your card has been enrolled in Mastercard SecureCode (3DS) so that wherever you see the Mastercard SecureCode logo online, your card number will automatically be recognised during checkout. Your card provider is contacted during checkout to confirm your identity as the genuine cardholder.

What is the process for Authentication?

You will receive a 6-digit One Time Password (OTP) for each online purchase you make at participating merchants. The OTP will be snt by SMS or by email to the mobile phone or email address which you have registered with your card provider. Simply key in the OTP on the authentication page displayed and press the ‘Submit’ button. The OTP will then be verified by your card provider and the transaction will be approved or declined.

How will I know whether the registered mobile number or email address is the right one?

The partially masked mobile number and email address will be displayed on the authentication page so that you can check that those details are correct. If the mobile number and email address are incorrect, cancel the transaction and either update your information on the portal or contact Customer Services by calling 0203 9252 759.

What if I suspect that fraud has occurred on my card?

If you ever suspect that a fraudulent purchase has been made using your card, contact Customer Services by calling 0203 9252 759 immediately.

 

Prosper Squared (UK) Limited is registered in England & Wales, Company Number 09535801. Registered Address 843 Finchley Road, London NW11 8NA.

 

Prosper² and Prosper Rewards are trademarks of Prosper Limited a company registered in the Isle of Man, Company Number 130772C. Registered Address Ports of Call, Bay View Road, Port St Mary, Isle of Man, IM9 5AE.

 

The Prosper² Prepaid Mastercard is issued by Moorwand Ltd (FCA reference no. 900709), a principal member of Mastercard International Incorporated. Mastercard is a registered trademark and the design of the circles in the logo is a registered trademark of Mastercard International Incorporated.

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